Unique Property Finance Financial Services In Wood Green, London

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Unique Property Finance

Tel: 020 3645 4322


75 Myddleton Rd,
Wood Green
London
N22 8LZ

Information

Opening Times
Monday
9:00 - 18:00
Tuesday
9:00 - 18:00
Wednesday
9:00 - 18:00
Thursday
9:00 - 18:00
Friday
9:00 - 18:00
Saturday
11:00 - 15:00

Map of Unique Property Finance

Localised map of Unique Property Finance

About Unique Property Finance

Here at Unique Property Finance, we are mortgage advice specialists and bridging finance specialists who offer commercial insurance, buy to let mortgages, home mortgages, re-mortgages, bridge loans, short term finance, commercial mortgages and life assurance to clients throughout London and the surrounding areas. If you would like to know more, be sure to get in touch with our experienced team today. We’d love to hear from you and assist you in any way we possibly can.

Commercial Mortgages

Commercial mortgages are not too dissimilar to residential mortgages and scouring the market for the best possible deal for you is always advised. Although the High Street is where most business owners search for their lending, you should actively consider using the services of an impartial, commercial mortgage broker that covers the entire market. A mortgage broker will search the most appropriate deal according to your business sector and try and tender the best rate available. Also, a high street lender would use similar loan-to-value ratios as residential loans when lending, but they can differ depending on the individual lending criteria and appetite for the business type; the two main factors that lenders look at are serviceability and security. The first would be the operation of the business and personal credit conduct and the latter would be obtained by a professional survey of the security property. If you would like to know more information on the commercial mortgages and commercial insurance services that we offer throughout London, feel free to give our experienced team a call today.

What Is Life Assurance?

The main purpose of life assurance is to provide money for people who may depend on you financially, in the event that something should happen to you; these people could include family members or business partners. It can provide the reassurance of financial protection for you, your family and your business associates. A life assurance policy pays out a sum of money when the person who is covered by the plan dies and the money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.

If there are no dependants who may be affected financially by your death, some life assurance policies could cover funeral costs. The type of life assurance and the amount of cover all depends on the particular circumstances and requirements of an individual. Some factors to consider include age, dependants, level of income and financial abilities.

Different Types of Life Assurance

While the overall concept of life assurance is fairly easy to understand, there are some complexities and different types of life assurance. The types of life assurance include:

- Whole Life Assurance: This covers the duration of one’s life and will pay upon the death of the insured. This is basically a protection policy, safeguarding the financial standing of beneficiaries should the person die.

- Term Life Assurance: Although this only covers a specified fixed term, a portion of the premiums may be kept in order to earn interest earnings (this is for ‘buy term, invest the difference’ policies). This means that upon the expiry of the insurance cover, the insured will receive the cash accumulations. If the insured dies before the policy expires, then income earnings at the time of death.

- Endowment Life Assurance: This provides life insurance coverage for a specific number of years. Then the policy matures, and the insured is still living, he receives the endowment amount. After this, the policy is considered expired and there will be no life insurance coverage provided by this policy. If the insured dies within the coverage of the policy, the beneficiaries will receive the guaranteed death benefit.

- Group Life Assurance: This is life assurance provided for groups, such as a group of employees or members of a civic organisation. Group life assurance policies usually don’t require medical exams but may cease providing cover once a person quits the company or the group and is not renewed for the next year.

If you would like to know more on the different types of life assurance that are available to you, give our London-based team a call today.

Contact Our Team In London Today

If you’re based in London or the surrounding areas and you require additional information on the services that we offer as mortgage advice specialists and bridging finance specialists, including commercial insurance, buy to let mortgages, home mortgages, re-mortgages, bridge loans, short term finance, commercial mortgages and life assurance, please don’t hesitate to get in touch with our experienced team today. We’re always here to take your call, deal with any enquires and answer any questions that you may have regarding the services that we provide from our base in London. Alternatively, you can take a look at our website to see a full overview of our services, we’re sure that you’ll love what you find.

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